Title Loan Activity in the 92553 Area
54
Loans Funded
$4,867
Average Loan Amount
2015
Average Vehicle Year
Recent Loans Near 14420 Elsworth St. Suite 111
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2012 | Ford | F150 | 288,832 | $2,525 |
| 2023 | Toyota | Camry | 38,000 | $13,015 |
| 2017 | Toyota | Tacoma | 126,000 | $5,468 |
| 2017 | Ford | F250SD | 188,000 | $5,015 |
| 2014 | Toyota | Highlander | 72,000 | $2,525 |
Actual loan amounts vary based on vehicle condition, mileage, and state regulations.
Most Common Vehicles
Toyota ($6,577 avg), Honda ($4,960 avg), Ford ($3,465 avg)
Know Before You Borrow in California
- Interest rate cap: 36% per year plus Federal Funds Rate (~39.6% APR as of Feb 2026)
- Loan range: $2,500 to $10,000+
- Repayment term: 12 to 60 months with fixed monthly payments
- Regulated by: Department of Financial Protection and Innovation (DFPI)
For complete California title loan regulations and consumer protections, visit our full California guide.
Quick Answers About Title Loans in Moreno Valley
March ARB is the largest Air Force Reserve base in California, with active duty, Reserve, and Air National Guard personnel and their dependents in the surrounding area. The Military Lending Act (MLA) caps the Military Annual Percentage Rate at 36% for active-duty service members and their dependents – stricter than California’s ~40% rate ceiling. MLA protections apply to Reservists when on active duty for more than 30 days.
The Servicemembers Civil Relief Act (SCRA) adds protections: a 6% interest rate cap on debts incurred before active service began, and protection against repossession without a court order in many circumstances. Before applying at any of our four Moreno Valley offices, please tell us your service status so we can verify via the DoD’s MLA database. The March ARB Legal Office offers free SCRA and MLA guidance to active-duty, Reservist, and Guard personnel – worth a call before signing.
All four serve Moreno Valley and the broader western Inland Empire under our identical loan products and pricing. Geographic guide: 24825 Alessandro Blvd #3 sits in central Moreno Valley near the 60/215 freeway interchange, convenient from south Moreno Valley and March ARB. 24267 Sunnymead Blvd and 24320 Sunnymead Blvd Suite 103A are within a block of each other on the Sunnymead corridor – central Moreno Valley near Towngate. 14420 Elsworth St is in the Edgemont area on the northern side.
Three of the four offices are within 1–2 miles of each other on the central east-west commercial corridor. You can start your application online from anywhere and get pre-qualified; if we need to appraise your vehicle, we’ll schedule it at the most convenient office – by appointment.
University employment is standard W-2 income for our review: please bring recent pay stubs, bank statements showing direct deposits, and CalPERS or CalSTRS contribution statements if applicable. For students, work-study and campus employment pay stubs document income, but we’ll typically apply more conservative ability-to-repay calculations because student income is generally smaller and less stable.
Two practical alternatives worth running first: SchoolsFirst FCU and Logix Federal Credit Union both serve Southern California higher-education employees with personal loans at substantially lower rates than our title loan cap; UC Riverside specifically has Kinecta Federal Credit Union as an affiliated option for students and employees. For CalBaptist students, the university’s Student Care Services office sometimes operates emergency financial assistance for crisis situations – worth asking before any title loan with us.
The Moreno Valley / Perris / Riverside corridor is one of the densest warehouse and distribution employment clusters in California (Amazon, Walmart, FedEx, Target distribution centers, plus dozens of smaller logistics employers). Documentation pathway: pay stubs from the last 60–90 days, bank statements showing direct deposit patterns, and any union documentation if you’re with Teamsters or other organized labor.
Two practical realities specific to this corridor: many warehouse jobs go through staffing agencies rather than direct hire – your effective employer for income verification is the staffing agency that pays you, not the warehouse where you physically work. And overtime and seasonal premium pay (peak shift Nov–Jan) are visible on stubs, but we typically smooth annual income rather than relying on peak periods. Conservative loan sizing based on your trailing 12-month income provides margin if hours are cut in off-season.
The Inland Empire has several credit unions serving Moreno Valley with personal loans at substantially lower rates than our title loan cap. Altura Credit Union (Riverside-headquartered, multiple Moreno Valley branches), Arrowhead Credit Union, and Provident Credit Union all serve western Riverside County. For military borrowers and dependents at March ARB, Pentagon Federal Credit Union (PenFed) and Navy Federal Credit Union offer particularly competitive personal loan rates.
Running the math: a $5,500 personal loan at 11% APR over 36 months works out to about $180/month with roughly $980 in total interest. The same $5,500 at our California title loan cap (~40% APR, 36-month term) runs about $265/month with about $4,030 in total interest – about $3,050 more on the same $5,500. For most credit unions, a phone pre-qualification with a soft credit pull (no impact to your score) runs about 20–30 minutes.
